DENIED FULL PAYMENT... THAT'S WHAT A HOMEOWNER WHO LIVES JUST BLOCKS AWAY FROM GROUND ZERO IN MOORE SAYS HER INSURANCE COMPANY DID... UNTIL WE CALLED. KOCO'S NAVEEN DHALIWAL IS LIVE... NAVEEN, SHE THE COMPANY ACCUSED HER OF DAMAGING HER OWN ROOF. SHE SAYS THEY ACCUSED HER OF USING A HAMMER ON IT SO SHE CALLED US. 02:40 I was shocked, I was completely shocked, I'm two and a half blocks from ground zero. KATHLEEN - DOESN''T WANT HER FACE SHOWN... BUT SHE'S GOT A STORY TO TELL. SHE SAY THE SAME TORNADO THAT DESTROYED HOMES JUST BLOCKS AWAY FROM HER... ALSO BADLY DAMAGED HER ROOF. 1:48 my roof was totaled, I have damage to my brick, my guttering, some other structures, mailbox things like that. SHE CONTACTED HER INSURANCE COMPANY... COUNTRY FINANCIAL. AN ADJUSTOR CAME OUT AND LOOKED AT THE DAMAGE... BUT INSTEAD OF A CHECK... KATHLEEN GOT THIS. 02:22 I saw the report and they attached a picture of the roof with the ping on it and it says self-inflicted so they denied my roof completely so they are indicating I got on my roof and used a hammer and did something to my roof. COUNTRY FINANCIAL DID OFFER KATHLEEN 500 BUCKS... SO SHE CALLED 5 NEWS AND HIRED PUBLIC ADJUSTOR HARVEY LEWIS. Clip 1 Harvey Lewis - Lewis and Associates, Inc 03:52 insurance companies are not willing to pay what they owe. LEWIS SAYS COMPANIES LIKE HIS HAVE THE BEST INTEREST OF THE CUSTOMER IN MIND. CLIP 1 HARVEY LEWIS 04:36 they need not think just because the company adjuster has told them that there's X amount of damage that's final bc it's definitely not, we can reopen a file. AND IT PAID OFF FOR KATHLEEN. AFTER OUR CALLS AND PRESSURE FROM THE ADJUSTOR... SHE'LL BE GETTING THE MONEY TO FIX HER HOME. 02:48 every house around me have already got new roofs and for them to accuse me of that was just wrong WE TALKED TO KATHLEEN THIS AFTERNOON. SHE SAYS SHE HASN'T BEEN TOLD THE TOTAL AMOUNT HER INSURANCE COMPANY WILL BE GIVING HER AND SHE HASN'T SEEN THE CHECK. WE'LL KEEP CHECKING BACK. LIVE IN THE NEWSROOM, NAVEEN DHALIWAL, KOCO 5 NEWS. WE ASKED THE INSURANCE COMPANY -- COUNTRY FINANCIAL ABOUT THIS CASE.. THEY TOLD US THEY WON'T COMMENT ON SPECIFIC CASES.